Lightning Strike Home Claims
Lightning Damage Claim Professionals
Licensed Public Adjuster with long-standing experience handling lightning strike claims and related electrical property losses. We combine technical damage assessment, policy analysis, and negotiation skills to help you receive fair compensation for lightning-related damage.
What we do for you
- Assess lightning-related damage
- Document electrical and structural loss
- Prepare your insurance claim
- Handle insurer communication
- Advocate for full coverage
Get Your Free Claim Evaluation
Lightning Damage and Advocate Public Adjustment
Pennsylvania is no stranger to intense thunderstorms and lightning strikes during the spring and summer months.
Lightning happens everywhere and anywhere. When it strikes your home, it can cause significant and costly damage. Unfortunately, insurance claims resulting from lightning strikes can often be met with delays, denials, or lower-than-expected settlements. That’s where Advocate Public Adjustment, LLC strikes back.
Understanding how insurance companies work and their motive to control the bottom line by delaying, denying or even creating low ball settlement offers is something that we understand. This is standard operating procedures for most insurance carriers. But we know how to play the claim game. Since 1992 ‘Rick Kinney’ owner of Advocate Public Adjustment has been settling Lightning Strike Home Claim settlements for the policyholder named insureds. Securing maximum lightning strike claim benefits that you are most certainly entitled under the terms and conditions of the policy.
There are several types of “Lightning Strike” Property Damage Scenarios that can happen to your home.
- Fire Damage and or Structural Damage
- Compromised Electrical System
- Trees damage by a lightning strike. Splitting a tree in half or catching on fire.
- Plumbing Lines that run through walls and ceilings.
The most common concerns the insurance company is going have and push back on could be:
There is no clear evidence that lightning was the source or cause of the alleged damage. They may argue that a power outage occurred off your premises that caused a power surge that caused the damage. Depending on the size and merit of your particular claim, they may hire a forensic engineer and pay the $4,000.00 fee for a well written and favorable report that supports their side if the claim escalates. Yes, they will go to these extremes to avoid paying tens of thousands of dollars in claim benefits rightfully owed to you. You wouldn’t be the first policyholder that has experienced this kind of claims service. Or, they may even try to say that it was faulty wiring passing the burden onto a pre-existing contractor that may have worked on the electrical system recently. They will most certainly look for any and all policy exclusions and or at minimum, any limits that they can apply to reduce the settlement. Always remember, that they will try to place the burden on you when requesting documents that will support your claim. If they feel the repair estimates, and the Replacement Cost values for any personal property items are inflated they may delay the claim intentionally.
Our opinion of a legitimate delay would be if the area was hit by a large catastrophic weather event and many claims were filed causing a major back up or bottle neck in the Claims Industry as a whole. However, we would still hold the carrier responsible to adhere to the Pennsylvania Claims Practices Act and Procedures by complying with all time frames stated therein.
Why Choose Advocate Public Adjustment
We understand that dealing with lightning damage to your home can be both physically and emotionally draining. Your Advocate Public Adjuster is committed to provide personalized, professional services to homeowners throughout Bucks County, Montgomery County, and the entire Philadelphia region of South Eastern Pennsylvania. We are serious and diligent about negotiating a lightning strike property damage claims settlement that ensures you receive the benefits you deserve. We offer a Free No Obligation Consultation and will handle your claim from start to finish and meet with all insurance company representatives and experts. Call us today to discuss your lightning strike claim. We’re here to help you however we can.
Contact Advocate Public Adjustment Public Adjusters today to start the wind damage insurance claim process.
Get the Help You Need and Deserve
Don’t face the aftermath of a lightning alone. Contact Advocate Public Adjustment today for a free consultation, and let us handle the complexities of your lightning damage claim so you can focus you and family. We are only a phone call away. (215) 364-4546 or Support@advocatepublicadjustment.com or simply fill out the form.